If you're paying attention, this is the first time a shared payment method is mentioned, and it's only in the final screen that it's clear any family member can use the shared credit card without approval. The first screen explains pricing for the shared plan, but the next two focus on setting up your family. There is also a special exception for In-App Purchases, which default to requiring authorization from the family manager, but individual family members can be given carte blanche. To begin with, it cannot be used to buy devices, make purchases with Android Pay, or refill an individual family member's Play Store balance. There are some restrictions to the shared payment method. That's not such a big deal if you trust everybody in the family, but remember that this can include children as young as 13, and many people will feel uncomfortable giving a credit card to somebody whose TV-watching habits may have centered on Spongebob Squarepants just a couple of years earlier. Yes, sharing your music subscription means you're also sharing a credit card. One specific detail stands out because it's likely to be Google's way of preventing abuse: family groups are required to have a shared payment method that all members can access to use for purchases without any authorization requirements.
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